Вы находитесь на странице: 1из 76

AB.LV .

,
, .
,
AB.LV.
,
. AB.LV
, , :
, , ..
, AB.LV.
. , AB.LV.


.....................................................................................................................................................................................3
.................................................................................................................................................4
......................................................................................................................10
- ..................................................................20
.................................................................................................................................34
.....................................................................................................................................45
..........................................................................................48
......................................................................49
................................................50
.......................................................................................................................................................................51
.......................................................................................................................................52
.......................................................................................................................................53
........................................................................................................................61
1. ...........................................................................................62
2. ...................................................................63
3. ..............................................................75

1.
,
, AB.LV.
, , , . , .
.
. , , . ,
. , .
AB.LV. , , , , .
AB.LV .
AB.LV .
(, , , ), AB.LV , .
. , , ,
. , , .
- . AB.LV ( ), . ,
. , . , . .

2.
2.1.
. AB.LV.
.
, -, . . .

2.1.1.
L, X. , 1,5X, 5X.
, . , ,
, .
90 ,
, .
, - .
, . 2 . AB.LV -, .
5X

1.5X

2.1.2.
, .
X. X. X.
. , , .
X

0.5X

2.2.
, , . .
AB.LV
. , ,
- Latvia, - Latvija.
( -). , , , , .
, ,
AB.LV , .
.

2.2.1.

, .
, ,
X. ( ) .
, , , .
, ( ), .

Aizkraukles Banka
Aizkraukles Bank

AIZKRAUKLES BANKA LATVIJA


aizkraukles banka latvija
Aizkraukles banka latvija
aizkraukles banka Latvija
Aizkraukles Banka Latvija
Aizkraukles Banka Latvija

2.3.
AB.LV . . ,
, ,
. (, , ,
. .) .
( ) .
, ( ) , .

Pantone 1375; C0 M40 Y80 K0;


R250 G146 B80; #FA9200

Pantone 1805; C20 M100 Y90 K10;


R183 G0 B12; #B7000C

Pantone 248; C40 M100 Y0 K10;


R137 G1 B114; #890172

Pantone 356; C90 M20 Y100 K10;


R24 G107 B36; #186B24

Pantone 280; C100 M100 Y10 K0;


R17 G0 B112; #110070

2.4.
- .
. -, - . 12 .
, X.
. .
,
(, ).

. X , Y . -

840

X=30
logo A1.eps

,
.

600

X=20
logo A2.eps

420
300

X=15
logo A3.eps
X=10
logo A4.eps

210

420

600

2.5.
. , .
, .
. . ( ), .
.
, .

2.3.1.

5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
55%
60%
65%
70%
75%
80%
85%
90%
95%
100%

3.
: ,
. . - 6 .
, , , .

10

3.1.
- ,
. : , , ,
.
. .
12

12

24

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT

24

http://www.ab.lv; e-mail: bank@ab.lv

Client paper
From November 1, 2001 Aizkraukles banka offers to its

commission for crediting funds to the card account;

Customers an opportunity to receive debit cards Cirrus

minimal amount of cash withdrawal in ATM; opportunity

emitted by JSC Aizkraukles banka. International debit

to open a card account in two currencies.opportunity to

card Cirrus is meant only for cash withdrawal in

open a card account in two currencies.

Aizkraukles banka and other banks' ATMs with Cirrus


symbol, in Latvia and abroad. Annual payment for debit
card Cirrus is 30 LVL or 50 USD, annual payment for the

The main currency of Cirrus card account is Latvian lats or

supplementary card is the same. Debit card Cirrus cannot

American dollars, the supplementary currencies could be:

be used for purchase and service paying. Differences of

USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

this card and other settlement cards are as follows: no

From November 1, 2001 Aizkraukles banka offers to its

holder's name and surname on the card; no commission for

Customers an opportunity to receive debit cards Cirrus

cash withdrawal; commission for crediting funds to the

emitted by JSC Aizkraukles banka. International debit

card account; minimal amount of cash withdrawal in ATM;

card Cirrus is meant only for cash withdrawal in

opportunity to open a card account in two currencies.

Aizkraukles banka and other banks' ATMs with Cirrus

Annual payment for debit card Cirrus is 30 LVL or 50 USD,

Minimal amount of cash withdrawal in ATM is 300 USD


or this amount equivalent in other currency.

symbol, in Latvia and abroad. Annual payment for debit

annual payment for the supplementary card is the same.

card Cirrus is 30 LVL or 50 USD, annual payment for the

Commission for crediting funds to the card account

supplementary card is the same. Debit card Cirrus cannot

amounts 1% from the sum. Minimal amount of cash

be used for purchase and service paying. Differences of

withdrawal in ATM is 300 USD or this amount equivalent in

this card and other settlement cards are as follows: no

other currency.

holder's name and surname on the card; no commission for

The main currency of Cirrus card account is Latvian lats or

cash withdrawal; commission for crediting funds to the

American dollars, the supplementary currencies could be:

card account; minimal amount of cash withdrawal in ATM;

USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

opportunity to open a card account in two currencies.

From November 1, 2001 Aizkraukles banka offers to its

The main currency of Cirrus card account is Latvian lats or

Customers an opportunity to receive debit cards Cirrus

American dollars, the supplementary currencies could be:

emitted by JSC Aizkraukles banka. International debit

USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

card Cirrus is meant only for cash withdrawal in


Aizkraukles banka and other banks' ATMs with Cirrus
symbol, in Latvia and abroad. Annual payment for debit
card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot
be used for purchase and service paying. Differences of
this card and other settlement cards are as follows: no
holder's name and surname on the card; no commission for

15

30

cash withdrawal;

11

3.1.1.

.
.
, . AB.LV,

, , .

12

12

24

18

Client paper

From November 1, 2001 Aizkraukles banka offers

minimal amount of cash withdrawal in ATM;

to its Customers an opportunity to receive debit cards

opportunity to open a card account in two

Cirrus emitted by JSC Aizkraukles banka.

currencies.

International debit card Cirrus is meant only for cash


withdrawal in Aizkraukles banka and other banks'
ATMs with Cirrus symbol, in Latvia and abroad.

The main currency of Cirrus card account is

Annual payment for debit card Cirrus is 30 LVL or 50

Latvian lats or American dollars, the supplementary

USD, annual payment for the supplementary card is

currencies could be: USD, LVL, EUR, GBP, RUB, BYR,

the same. Debit card Cirrus cannot be used for

UAH, LTL, EEK.

purchase and service paying. Differences of this card

From November 1, 2001 Aizkraukles banka

and other settlement cards are as follows: no holder's

offers to its Customers an opportunity to receive

name and surname on the card; no commission for


cash withdrawal; commission for crediting funds to
the card account; minimal amount of cash
withdrawal in ATM; opportunity to open a card
account in two currencies.
Annual payment for debit card Cirrus is 30 LVL or

Minimal amount of cash withdrawal in ATM is 300


USD or this amount equivalent in other currency.

50 USD, annual payment for the supplementary card


is the same. Commission for crediting funds to the
card account amounts 1% from the sum. Minimal
amount of cash withdrawal in ATM is 300 USD or this
amount equivalent in other currency.
The main currency of Cirrus card account is Latvian
lats or American dollars, the supplementary
currencies could be: USD, LVL, EUR, GBP, RUB, BYR,
UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka offers
to its Customers an opportunity to receive debit cards

debit cards Cirrus emitted by JSC Aizkraukles


banka. International debit card Cirrus is meant only
for cash withdrawal in Aizkraukles banka and
other banks' ATMs with Cirrus symbol, in Latvia and
abroad. Annual payment for debit card Cirrus is 30
LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus
cannot be used for purchase and service paying.
Differences of this card and other settlement cards
are as follows: no holder's name and surname on
the card; no commission for cash withdrawal;
commission for crediting funds to the card account;
minimal amount of cash withdrawal in ATM;
opportunity to open a card account in two
currencies.
The main currency of Cirrus card account is

Cirrus emitted by JSC Aizkraukles banka.

Latvian lats or American dollars, the supplementary

International debit card Cirrus is meant only for cash

currencies could be: USD, LVL, EUR, GBP, RUB, BYR,

withdrawal in Aizkraukles banka and other banks'

UAH, LTL, EEK.

ATMs with Cirrus symbol, in Latvia and abroad.

From November 1, 2001 Aizkraukles banka

Annual payment for debit card Cirrus is 30 LVL or 50

offers to its Customers an opportunity to receive

USD, annual payment for the supplementary card is

debit cards Cirrus emitted by JSC Aizkraukles

the same. Debit card Cirrus cannot be used for

banka. International debit card Cirrus is meant only

purchase and service paying. Differences of this card

for cash withdrawal in Aizkraukles banka and

and other settlement cards are as follows: no holder's

other banks' ATMs with Cirrus symbol, in Latvia and

name and surname on the card; no commission for

abroad. Annual payment for debit card Cirrus is 30

cash withdrawal; commission for crediting funds to

LVL or 50 USD, annual payment for the

the card account; minimal amount of cash

supplementary card is the same.

15

30

withdrawal in ATM; opportunity to open a card

12

3.2.
. (50% ) . .
, . :
.
, .
1

25

141

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv

12

Cirrus

210219 (4)


=6
,
: 6 , FreeSet Plain
: 16 , FreeSet Bold
: 9,5 ,
FreeSet Plain
: 9,5
FreeSet Plain

13

3.3.
,
. .
.
.
.
6 .
1

82

24

24

24

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv


Classic

Business

70 USD

70 USD

Gold
70 USD

1.5% min. 5 USD


1.5% min. 3 LVL

1.5% min. 5 USD


1.5% min. 3 LVL

1.5% min. 5 USD


1.5% min. 3 LVL


,
EC/MC / Aizkraukles Banka

35 USD
20 LVL

35 USD
20 LVL

65 USD
40 LVL

210219 (4)


=6
,
: 6 , FreeSet Plain
: 16 , FreeSet Bold
: 9,5 ,
FreeSet Bold
: 9 ,
FreeSet Plain

:
1 6
2 12
3 18

14

3.4.
. , . , .
.

112

59

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv


From November 1, 2001 Aizkraukles banka offers to its Customers an
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal; commission for crediting funds to the card account; minimal
amount of cash withdrawal in ATM; opportunity to open a card account in two
currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same. Commission for crediting funds to the
card account amounts 1% from the sum. Minimal amount of cash withdrawal in
ATM is 300 USD or this amount equivalent in other currency.
The main currency of Cirrus card account is Latvian lats or American dollars,

210219 (4)


=6
,
: 6 , FreeSet Plain
: 16 , FreeSet Bold
: 9 ,
FreeSet Plain

the supplementary currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH,
LTL, EEK.
From November 1, 2001 Aizkraukles banka offers to its Customers an
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal;

15

3.5.
,
,
. , .

83

83

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv


From November 1, 2001 Aizkraukles banka offers to its

commission for crediting funds to the card account;

Customers an opportunity to receive debit cards Cirrus

minimal amount of cash withdrawal in ATM; opportunity

emitted by JSC Aizkraukles banka. International debit

to open a card account in two currencies.opportunity to

card Cirrus is meant only for cash withdrawal in

open a card account in two currencies.

Aizkraukles banka and other banks' ATMs with Cirrus


symbol, in Latvia and abroad. Annual payment for debit
card Cirrus is 30 LVL or 50 USD, annual payment for the

Minimal amount of cash withdrawal in ATM is 300 USD


or this amount equivalent in other currency.
The main currency of Cirrus card account is Latvian lats or

supplementary card is the same. Debit card Cirrus cannot

American dollars, the supplementary currencies could be:

be used for purchase and service paying. Differences of

USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

this card and other settlement cards are as follows: no

From November 1, 2001 Aizkraukles banka offers to its

holder's name and surname on the card; no commission for

Customers an opportunity to receive debit cards Cirrus

cash withdrawal; commission for crediting funds to the

emitted by JSC Aizkraukles banka. International debit

card account; minimal amount of cash withdrawal in ATM;

card Cirrus is meant only for cash withdrawal in

opportunity to open a card account in two currencies.

Aizkraukles banka and other banks' ATMs with Cirrus

Annual payment for debit card Cirrus is 30 LVL or 50 USD,

symbol, in Latvia and abroad. Annual payment for debit

annual payment for the supplementary card is the same.

card Cirrus is 30 LVL or 50 USD, annual payment for the

210219 (4)

Commission for crediting funds to the card account

supplementary card is the same. Debit card Cirrus cannot

amounts 1% from the sum. Minimal amount of cash

be used for purchase and service paying. Differences of


=6
,
: 6 , FreeSet Plain
: 16 , FreeSet Bold
: 9 ,
FreeSet Plain

withdrawal in ATM is 300 USD or this amount equivalent in

this card and other settlement cards are as follows: no

other currency.

holder's name and surname on the card; no commission for

The main currency of Cirrus card account is Latvian lats or

cash withdrawal; commission for crediting funds to the

American dollars, the supplementary currencies could be:

card account; minimal amount of cash withdrawal in ATM;

USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

opportunity to open a card account in two currencies.

From November 1, 2001 Aizkraukles banka offers to its

The main currency of Cirrus card account is Latvian lats or

Customers an opportunity to receive debit cards Cirrus

American dollars, the supplementary currencies could be:

emitted by JSC Aizkraukles banka. International debit

USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

card Cirrus is meant only for cash withdrawal in


Aizkraukles banka and other banks' ATMs with Cirrus
symbol, in Latvia and abroad. Annual payment for debit
card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot
be used for purchase and service paying. Differences of
this card and other settlement cards are as follows: no
holder's name and surname on the card; no commission for
cash withdrawal;

16

3.6.

.
.
, , -.

53

112

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv


From November 1, 2001 Aizkra-

From November 1, 2001 Aizkraukles banka offers to its Customers an

ukles banka offers to its Custo-

opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.

mers an opportunity to receive

International debit card Cirrus is meant only for cash withdrawal in Aizkraukles

debit cards Cirrus emitted by JSC

banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual

Aizkraukles banka.

payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal; commission for crediting funds to the card account; minimal amount
of cash withdrawal in ATM; opportunity to open a card account in two
currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for
the supplementary card is the same. Commission for crediting funds to the card
account amounts 1% from the sum. Minimal amount of cash withdrawal in ATM
is 300 USD or this amount equivalent in other currency.
The main currency of Cirrus card account is Latvian lats or American dollars, the

210219 (4)


=6
,
: 6 , FreeSet Plain
: 16 , FreeSet Bold
: 9 ,
FreeSet Plain

supplementary currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL,
EEK.
From November 1, 2001 Aizkraukles banka offers to its Customers an
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal;

17

3.7.

.
.

53

53

53

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv

210219 (4)


=6
,
: 6 , FreeSet Plain
: 16 , FreeSet Bold
: 9 ,
FreeSet Plain

From November 1, 2001 Aizkraukles

From November 1, 2001 Aizkraukles

commission for crediting funds to the

banka offers to its Customers an

banka offers to its Customers an

card account; minimal amount of cash

opportunity to receive debit cards

opportunity to receive debit cards

withdrawal in ATM; opportunity to

Cirrus emitted by JSC Aizkraukles

Cirrus emitted by JSC Aizkraukles

open a card account in two

banka. International debit card Cirrus

banka. International debit card Cirrus

currencies.opportunity to open a card

is meant only for cash withdrawal in

is meant only for cash withdrawal in

account in two currencies.

Aizkraukles banka and other banks'

Aizkraukles banka and other banks'

ATMs with Cirrus symbol, in Latvia

ATMs with Cirrus symbol, in Latvia

in ATM is 300 USD or this amount

and abroad. Annual payment for

and abroad. Annual payment for

equivalent in other currency.

debit card Cirrus is 30 LVL or 50 USD,

debit card Cirrus is 30 LVL or 50 USD,

annual payment for the

annual payment for the

account is Latvian lats or American

supplementary card is the same. Debit

supplementary card is the same. Debit

dollars, the supplementary currencies

card Cirrus cannot be used for

card Cirrus cannot be used for

could be: USD, LVL, EUR, GBP, RUB,

purchase and service paying.

purchase and service paying.

BYR, UAH, LTL, EEK.

Differences of this card and other

Differences of this card and other

settlement cards are as follows: no

settlement cards are as follows: no

banka offers to its Customers an

holder's name and surname on the

holder's name and surname on the

opportunity to receive debit cards

card; no commission for cash

card; no commission for cash

Cirrus emitted by JSC Aizkraukles

withdrawal; commission for crediting

withdrawal; commission for crediting

banka. International debit card Cirrus

funds to the card account; minimal

funds to the card account; minimal

is meant only for cash withdrawal in

amount of cash withdrawal in ATM;

amount of cash withdrawal in ATM;

Aizkraukles banka and other banks'

opportunity to open a card account in

opportunity to open a card account in

ATMs with Cirrus symbol, in Latvia

two currencies.

two currencies.

and abroad. Annual payment for

Minimal amount of cash withdrawal

The main currency of Cirrus card

From November 1, 2001 Aizkraukles

Annual payment for debit card

Annual payment for debit card

Cirrus is 30 LVL or 50 USD, annual

Cirrus is 30 LVL or 50 USD, annual

annual payment for the

payment for the supplementary card

payment for the supplementary card

supplementary card is the same. Debit

is the same. Commission for crediting

is the same. Commission for crediting

card Cirrus cannot be used for

funds to the card account amounts

funds to the card account amounts

purchase and service paying.

1% from the sum. Minimal amount of

1% from the sum. Minimal amount of

Differences of this card and other

cash withdrawal in ATM is 300 USD or

cash withdrawal in ATM is 300 USD or

settlement cards are as follows: no

this amount equivalent in other

this amount equivalent in other

holder's name and surname on the

currency.

currency.

card; no commission for cash

debit card Cirrus is 30 LVL or 50 USD,

The main currency of Cirrus card

The main currency of Cirrus card

account is Latvian lats or American

account is Latvian lats or American

funds to the card account; minimal

dollars, the supplementary currencies

dollars, the supplementary currencies

amount of cash withdrawal in ATM;

could be: USD, LVL, EUR, GBP, RUB,

could be: USD, LVL, EUR, GBP, RUB,

opportunity to open a card account in

BYR, UAH, LTL, EEK.

BYR, UAH, LTL, EEK.

two currencies.

From November 1, 2001

From November 1, 2001

withdrawal; commission for crediting

The main currency of Cirrus card

Aizkraukles banka offers to its

Aizkraukles banka offers to its

account is Latvian lats or American

Customers an opportunity to receive

Customers an opportunity to receive

dollars, the supplementary currencies

debit cards Cirrus emitted by JSC

debit cards Cirrus emitted by JSC

could be: USD, LVL, EUR, GBP, RUB,

Aizkraukles banka. International

Aizkraukles banka. International

BYR, UAH, LTL, EEK.

debit card Cirrus is meant only for

debit card Cirrus is meant only for

cash withdrawal in Aizkraukles

cash withdrawal in Aizkraukles

banka and other banks' ATMs with

banka and other banks' ATMs with

Cirrus symbol, in Latvia and abroad.

Cirrus symbol, in Latvia and abroad.

18

3.8. , .

.
, . , . 10 .
6 3.
,
. ,
.
9

10

50

10

23

From November 1, 2001 Aizkraukles banka offers to its


Customers an opportunity to receive debit cards Cirrus
emitted by JSC Aizkraukles banka. International debit
card Cirrus is meant only for cash withdrawal in
Aizkraukles banka and other banks' ATMs with Cirrus
symbol, in Latvia and abroad. Annual payment for debit
card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot
be used for purchase and service paying. Differences of
this card and other settlement cards are as follows: no
holder's name and surname on the card; no commission
for cash withdrawal; commission for crediting funds to
the card account; minimal amount of cash withdrawal in
ATM; opportunity to open a card account in two
currencies.
Annual payment for debit card Cirrus is 30 LVL or 50
USD, annual payment for the supplementary card is the
same. Commission for crediting funds to the card account
amounts 1% from the sum. Minimal amount of cash
withdrawal in ATM is 300 USD or this amount equivalent
in other currency.
The main currency of Cirrus card account is Latvian lats
or American dollars, the supplementary currencies could
be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka offers to
its Customers an opportunity to receive debit cards Cirrus
emitted by JSC Aizkraukles banka. International debit
card Cirrus is meant only for cash withdrawal in

12

Aizkraukles banka and other banks' ATMs with Cirrus


symbol, in Latvia and abroad. Annual payment for debit
supplementary card is the same. Debit card Cirrus cannot

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222;

From November 1, 2001 Aizkraukles banka offers to its

Fax: +371
777 5200; Client line: +371
777 5555
From
November 1, 2001 Aizkraukles banka offers to its
From November 1, 2001 Aizkraukles banka offers
to its

30

Customers an opportunity to receive debit cards

6 5

card Cirrus is 30 LVL or 50 USD, annual payment for the

S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB;


Customers an opportunity
Cirrus
Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv

Customers an opportunity to receive debit cards Cirrus

to receive debit cards Cirrus

emitted by JSC Aizkraukles banka. International debit

emitted by JSC Aizkraukles banka. International debit

emitted by JSC Aizkraukles banka. International debit

card Cirrus is meant only for cash withdrawal in

card Cirrus is meant only for cash withdrawal in

card Cirrus is meant only for cash withdrawal in

Aizkraukles banka and other banks' ATMs with Cirrus

Aizkraukles banka and other banks' ATMs with Cirrus

Aizkraukles banka and other banks' ATMs with Cirrus

symbol, in Latvia and abroad. Annual payment for debit

symbol, in Latvia and abroad. Annual payment for debit

symbol, in Latvia and abroad. Annual payment for debit

card Cirrus is 30 LVL or 50 USD, annual payment for the

card Cirrus is 30 LVL or 50 USD, annual payment for the

card Cirrus is 30 LVL or 50 USD, annual payment for the

supplementary card is the same. Debit card Cirrus cannot

supplementary card is the same. Debit card Cirrus cannot

supplementary card is the same. Debit card Cirrus cannot

be used for purchase and service paying. Differences of

be used for purchase and service paying. Differences of

be used for purchase and service paying. Differences of

this card and other settlement cards are as follows: no

this card and other settlement cards are as follows: no

this card and other settlement cards are as follows: no

holder's name and surname on the card; no commission

holder's name and surname on the card; no commission

holder's name and surname on the card; no commission

for cash withdrawal; commission for crediting funds to

for cash withdrawal; commission for crediting funds to

for cash withdrawal; commission for crediting funds to

the card account; minimal amount of cash withdrawal in

the card account; minimal amount of cash withdrawal in

the card account; minimal amount of cash withdrawal in

ATM; opportunity to open a card account in two

ATM; opportunity to open a card account in two

ATM; opportunity to open a card account in two

currencies.

currencies.

currencies.

Annual payment for debit card Cirrus is 30 LVL or 50

Annual payment for debit card Cirrus is 30 LVL or 50

Annual payment for debit card Cirrus is 30 LVL or 50

USD, annual payment for the supplementary card is the

USD, annual payment for the supplementary card is the

USD, annual payment for the supplementary card is the

same. Commission for crediting funds to the card account

same. Commission for crediting funds to the card account

same. Commission for crediting funds to the card account

amounts 1% from the sum. Minimal amount of cash

amounts 1% from the sum. Minimal amount of cash

amounts 1% from the sum. Minimal amount of cash

withdrawal in ATM is 300 USD or this amount equivalent

withdrawal in ATM is 300 USD or this amount equivalent

withdrawal in ATM is 300 USD or this amount equivalent

in other currency.

in other currency.

in other currency.

The main currency of Cirrus card account is Latvian lats

The main currency of Cirrus card account is Latvian lats

The main currency of Cirrus card account is Latvian lats

or American dollars, the supplementary currencies could

or American dollars, the supplementary currencies could

or American dollars, the supplementary currencies could

be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

From November 1, 2001 Aizkraukles banka offers to

From November 1, 2001 Aizkraukles banka offers to

From November 1, 2001 Aizkraukles banka offers to

its Customers an opportunity to receive debit cards Cirrus

its Customers an opportunity to receive debit cards Cirrus

its Customers an opportunity to receive debit cards Cirrus

emitted by JSC Aizkraukles banka. International debit

emitted by JSC Aizkraukles banka. International debit

emitted by JSC Aizkraukles banka. International debit

card Cirrus is meant only for cash withdrawal in

card Cirrus is meant only for cash withdrawal in

card Cirrus is meant only for cash withdrawal in

Aizkraukles banka and other banks' ATMs with Cirrus

Aizkraukles banka and other banks' ATMs with Cirrus

Aizkraukles banka and other banks' ATMs with Cirrus

symbol, in Latvia and abroad. Annual payment for debit

symbol, in Latvia and abroad. Annual payment for debit

symbol, in Latvia and abroad. Annual payment for debit

card Cirrus is 30 LVL or 50 USD, annual payment for the

card Cirrus is 30 LVL or 50 USD, annual payment for the

card Cirrus is 30 LVL or 50 USD, annual payment for the

supplementary card is the same. Debit card Cirrus cannot

supplementary card is the same. Debit card Cirrus cannot

supplementary card is the same. Debit card Cirrus cannot

30

19

4. -
-
: , , ( ). .
. , ,
. , GillSans.

20

4.1. ,
. . . ,
4, , . .
.

. .
0.6X
6X

6X

5X

0.1X

Debit card Cirrus cannot be used for


purchase and service paying. Differences
of this card and other settlement cards are
as follows: no holder's name and surname
on the card; no commission for cash
withdrawal; commission for crediting
funds to the card account; minimal
amount of cash withdrawal in ATM;
opportunity to open a card account in two
currencies.no commission for cash
withdrawa no commission cawithdrawa

From November 1, 2001 Aizkraukles


banka offers to its Customers an
opportunity to receive debit cards Cirrus
emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus
symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or
50 USD, annual payment for the
supplementary card is the same.

21

4.2. ()

(). ,

.
.

100

2800

1200

100

15 100

15

100

22

4.3.
4.3.1

. , .
AB.LV .
, .
.
4.3.2

.
.

, .

23

4.4.
,
. .
. , , ,
. ,
, .

X/2

X/2

,
X

.
.

AB.LV, Aizkraukles Bank.

, , X

.

, , , ,
.

24

4.5.
.
. . , . , .
2 AB.LV
.

25

4.6.
. , AB.LV.
: , , , ()
.
, ,
.
, ( ) . , .
GillSans.
() () . ,
AB.LV . , , () 3X.
AB.LV .

. , ,
AB.LV .
.

26

4.6.1.
,
. . Y ( L AB.LV), . . , ,
. .

27

4.6.2.
- ,

.
.
Y (
L AB.LV), . .
, , . .

28

4.6.3. ,
, - ,
. Y (
L AB.LV), .
,
. ,
, .

.

29

4.6.4.

. ,
- . . 10 .
, . .

30

4.7.
,
, . , .
.

X/2

Client line: +371 777 5555

31

4.8.
.
.

. -.
- . - .
- ,
. , ,
AB.LV, .
50 px

5016 px.
16 px

32

4.9.


.
.
.
.

33

5.
- . , , , .
,
. ,
.

34

5.1. , , , .
- , ,
. . , , , .
, ( ),
. , .
50

20

20

40

S.W.I.F.T.: AIZK LV 22.

Tel.: +371 777 5222, fax: +371 777 5200.

Reuter Dealing: AIZX. Reuter Source: AIZB.

http://www.ab.lv, e-mail: bank@ab.lv

Telex: 161 1171 AIZKR.BANK/DUNSOFT.

40

Elizabetes iela 23, Riga, LV-1010, Latvia.

Mr. Smith.
Sales Manager
Advanced Tecnologies
3 build, 2 Gazetny pereulok,

50

Moscow, Russia,103009
Tel.: +3 (093) 984 123 548

Dear Mr. Smith:


From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for
the supplementary card is the same. Debit card Cirrus cannot be used for purchase and service

paying. Differences of this card and other settlement cards are as follows: no holder's name and
surname on the card; no commission for cash withdrawal; commission for crediting funds to the
card account; minimal amount of cash withdrawal in ATM; opportunity to open a card account in
two currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the supplementary
card is the same. Commission for crediting funds to the card account amounts 1% from the sum.
Minimal amount of cash withdrawal in ATM is 300 USD or this amount equivalent in other

20

160

currency.

Viktorija Lakiseva
Consulting Manager

27

e-mail: lakiseva@ab.lv

35

. ,
, .

20

20

30

40

From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same. Debit card Cirrus cannot be used for purchase and
service paying. Differences of this card and other settlement cards are as follows: no holder's
name and surname on the card; no commission for cash withdrawal; commission for crediting
funds to the card account; minimal amount of cash withdrawal in ATM; opportunity to open a
card account in two currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Commission for crediting funds to the card account amounts
1% from the sum. Minimal amount of cash withdrawal in ATM is 300 USD or this amount
equivalent in other currency.
The main currency of Cirrus card account is Latvian lats or American dollars, the supplementary
currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive

debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same. Debit card Cirrus cannot be used for purchase and
service paying. Differences of this card and other settlement cards are as follows: no holder's
name and surname on the card; no commission for cash withdrawal; commission for crediting
funds to the card account; minimal amount of cash withdrawal in ATM; opportunity to open a
card account in two currencies.
The main currency of Cirrus card account is Latvian lats or American dollars, the supplementary
currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment

27

for the supplementary card is the same.

36

5.2. , -
- ,
.
FAXIMILE MEMO . .

75

75

20

50

40

20

40

To

: Advanced Tecnologies
: Mr. Smith

Cc

: Mr. Jonhson
: Mr. Paul

From : V. Lakiseva
Tel. : +371 777 5222
Fax : +371 777 5200
E-mail: lakiseva@ab.lv
Date : 7 April 2002

Dear Mr. Smith:


From November 1, 2001 Aizkraukles banka offers to its Customers an
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as

160

follows: no holder's name and surname on the card; no commission for cash
withdrawal; commission for crediting funds to the card account; minimal amount
of cash withdrawal in ATM; opportunity to open a card account in two
currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for

27

1/5

37

20

20

30

40

From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same. Debit card Cirrus cannot be used for purchase and
service paying. Differences of this card and other settlement cards are as follows: no holder's
name and surname on the card; no commission for cash withdrawal; commission for crediting
funds to the card account; minimal amount of cash withdrawal in ATM; opportunity to open a
card account in two currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Commission for crediting funds to the card account amounts
1% from the sum. Minimal amount of cash withdrawal in ATM is 300 USD or this amount
equivalent in other currency.
The main currency of Cirrus card account is Latvian lats or American dollars, the supplementary
currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same. Debit card Cirrus cannot be used for purchase and
service paying. Differences of this card and other settlement cards are as follows: no holder's
name and surname on the card; no commission for cash withdrawal; commission for crediting
funds to the card account; minimal amount of cash withdrawal in ATM; opportunity to open a
card account in two currencies.
The main currency of Cirrus card account is Latvian lats or American dollars, the supplementary
currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same.

27

2/5

38

5.3.
, , , .
, , .

0.6X
6X

6X

5X

5X

0.1X

39

5.4.

()
.
.

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv | mailto: bank@ab.lv

40

5.5.

.
.
. .

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv | mailto: bank@ab.lv

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv | mailto: bank@ab.lv

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv | mailto: bank@ab.lv

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv | mailto: bank@ab.lv

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv | mailto: bank@ab.lv

41

95

10

50

10

10

10

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv | mailto: bank@ab.lv

95

10

50

10

10

10

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv | mailto: bank@ab.lv

42

5.6.
AB.LV
. , AB.LV.
, .
.
, , ( ).
( ) .

Viktorija Lakiseva
Consulting Manager
lakiseva@ab.lv
Tel.: +371 777 5296

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv

Viktorija Lakiseva
Consulting Manager
lakiseva@ab.lv
Tel.: +371 777 5296

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv

Viktorija Lakiseva
Consulting Manager
lakiseva@ab.lv
Tel.: +371 777 5296

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv

Viktorija Lakiseva
Consulting Manager
lakiseva@ab.lv
Tel.: +371 777 5296

Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200
http://www.ab.lv

43

5.7.

. AB.LV. .
AB.LV.
.

Aizkraukles Banka Latvija | Elizabetes iela 23, Riga, LV-1010, Latvia


Tel.: + 371 777 5222; Fax: + 371 777 5200 | http://www.ab.lv | mailto: bank@ab.lv
Aizkraukles Banka Latvija | Elizabetes iela 23, Riga, LV-1010, Latvia
Tel.: + 371 777 5222; Fax: + 371 777 5200 | http://www.ab.lv | mailto: bank@ab.lv
Aizkraukles Banka Latvija | Elizabetes iela 23, Riga, LV-1010, Latvia
Tel.: + 371 777 5222; Fax: + 371 777 5200 | http://www.ab.lv | mailto: bank@ab.lv
Aizkraukles Banka Latvija | Elizabetes iela 23, Riga, LV-1010, Latvia
Tel.: + 371 777 5222; Fax: + 371 777 5200 | http://www.ab.lv | mailto: bank@ab.lv
Aizkraukles Banka Latvija | Elizabetes iela 23, Riga, LV-1010, Latvia
Tel.: + 371 777 5222; Fax: + 371 777 5200 | http://www.ab.lv | mailto: bank@ab.lv

44

6.
,
, , .
, GillSans, , . . . , , . AB.LV, ,
, .

6.1.
AB.LV, . . . ,
AB.LV .
.

1.

2.

3.

6.2.
.
, , ,
.

45

6.3.
. ,
, , .
,
.
.
, 45.
1,5 .
.
,
.
.
X

15X

20X

6.4.
20
GillSans. FreeSet
Plain.

46

6.5.
. AB.LV
,
- .

.

(, ).

47

7.
- 80 /2. .
. .
, , . .
.

48

8.
, , ,

. ,
. ,
GillSans, FreeSet. ,
. , , .

- .
- .


AB.LV.
, .
- .

49

9.
,
. .
. .
. ,
, , , , .

50

10.
10.1.
, , . .
Frutiger, .
FreeSet.
(,
). :
, . , ,
. G .
6 ( , ) 12 ( , ).
.
FreeSet .
16 ( ) 20 (
, -).
AB.LV GillSans, 1930 . Gill Sans
, .
. GillSans , 20 , , ,
.
GillSans , . ,
() . FreeSet
GillSans .

10.2.
( ).
: 6 10, 9 14; 12 18.
,
2:3. - , 1:1.
, ,
. 5 ,
5 . 7,5 .

10.3.
AB.LV
. . .
. ,
, .

51

11.
11.1.
, , .
, .
, .
,
.
X/2. , , .

11.2.

, . .

.

52

12.
- ,
: , , .
, . ,
. . ,
.

53

12.1.
- AB.LV
:
1.
2.
3.
.

12.2.
12.2.1.

- AB.LV. .
:
.
, : , , , . ,
.
. - , (, , ). . ,
.
. .
.
.
, AB.LV.

.
, , . .
. ,
.
.
, .
, ,
.
.

54

12.2.2.

55

12.2.3.

56

12.3.
. , , .
.
. , , .
12.3.1.
, , .

57

12.3.1. .

.

58

12.4.
, .
, AB.LV
.

59

12.5.
, ,
- .
,
.
. , .
,
AB.LV.

. . , . , , . ,
. ( 0.25 pt)
.

. .
,
.

. ,
- .

.
, , ,
(, Visa
MasterCard ).
, , ,
, .

60

13.
, . , AB.LV .
. , AB.LV.

13.1.
13.1.1.

, ,
. , 100 1600 .
, 90 (
) 110 ( ).
GillSans.
13.1.2.
10

50

10

10

120

10
5
25
5

,
.
. .
, .
GillSans.

Payment card
Currency exchange

61

1.


, .

. 2 6 . , . ,
.


. 40 150 .
, , .

1 4, .
AB.LV .

Aizkraukles Bank.



, AB.LV , .

62

2.
.

63

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv

Cirrus

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv


Classic

Business

Gold

70 USD

70 USD

70 USD

1.5% min. 5 USD


1.5% min. 3 LVL

1.5% min. 5 USD


1.5% min. 3 LVL

1.5% min. 5 USD


1.5% min. 3 LVL


,
EC/MC / Aizkraukles Banka

35 USD
20 LVL

35 USD
20 LVL

65 USD
40 LVL

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv


From November 1, 2001 Aizkraukles banka offers to its Customers an
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal; commission for crediting funds to the card account; minimal amount
of cash withdrawal in ATM; opportunity to open a card account in two
currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for
the supplementary card is the same. Commission for crediting funds to the card
account amounts 1% from the sum. Minimal amount of cash withdrawal in ATM
is 300 USD or this amount equivalent in other currency.
The main currency of Cirrus card account is Latvian lats or American dollars, the
supplementary currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL,
EEK.
From November 1, 2001 Aizkraukles banka offers to its Customers an
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal;

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv


From November 1, 2001 Aizkraukles banka offers to its

commission for crediting funds to the card account;

Customers an opportunity to receive debit cards Cirrus

minimal amount of cash withdrawal in ATM; opportunity

emitted by JSC Aizkraukles banka. International debit

to open a card account in two currencies.opportunity to

card Cirrus is meant only for cash withdrawal in

open a card account in two currencies.

Aizkraukles banka and other banks' ATMs with Cirrus


symbol, in Latvia and abroad. Annual payment for debit
card Cirrus is 30 LVL or 50 USD, annual payment for the

Minimal amount of cash withdrawal in ATM is 300 USD or


this amount equivalent in other currency.

supplementary card is the same. Debit card Cirrus cannot

The main currency of Cirrus card account is Latvian lats or

be used for purchase and service paying. Differences of

American dollars, the supplementary currencies could be:

this card and other settlement cards are as follows: no

USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

holder's name and surname on the card; no commission for

From November 1, 2001 Aizkraukles banka offers to its

cash withdrawal; commission for crediting funds to the

Customers an opportunity to receive debit cards Cirrus

card account; minimal amount of cash withdrawal in ATM;

emitted by JSC Aizkraukles banka. International debit

opportunity to open a card account in two currencies.

card Cirrus is meant only for cash withdrawal in

Annual payment for debit card Cirrus is 30 LVL or 50 USD,

Aizkraukles banka and other banks' ATMs with Cirrus

annual payment for the supplementary card is the same.

symbol, in Latvia and abroad. Annual payment for debit

Commission for crediting funds to the card account

card Cirrus is 30 LVL or 50 USD, annual payment for the

amounts 1% from the sum. Minimal amount of cash

supplementary card is the same. Debit card Cirrus cannot

withdrawal in ATM is 300 USD or this amount equivalent in

be used for purchase and service paying. Differences of

other currency.

this card and other settlement cards are as follows: no

The main currency of Cirrus card account is Latvian lats or


American dollars, the supplementary currencies could be:
USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka offers to its
Customers an opportunity to receive debit cards Cirrus
emitted by JSC Aizkraukles banka. International debit
card Cirrus is meant only for cash withdrawal in
Aizkraukles banka and other banks' ATMs with Cirrus
symbol, in Latvia and abroad. Annual payment for debit
card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot
be used for purchase and service paying. Differences of
this card and other settlement cards are as follows: no
holder's name and surname on the card; no commission for
cash withdrawal;

holder's name and surname on the card; no commission for


cash withdrawal; commission for crediting funds to the
card account; minimal amount of cash withdrawal in ATM;
opportunity to open a card account in two currencies.
The main currency of Cirrus card account is Latvian lats or
American dollars, the supplementary currencies could be:
USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv


From November 1, 2001 Aizkra-

From November 1, 2001 Aizkraukles banka offers to its Customers an

ukles banka offers to its Custo-

opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.

mers an opportunity to receive

International debit card Cirrus is meant only for cash withdrawal in Aizkraukles

debit cards Cirrus emitted by JSC

banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual

Aizkraukles banka.

payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal; commission for crediting funds to the card account; minimal amount
of cash withdrawal in ATM; opportunity to open a card account in two
currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for
the supplementary card is the same. Commission for crediting funds to the card
account amounts 1% from the sum. Minimal amount of cash withdrawal in ATM
is 300 USD or this amount equivalent in other currency.
The main currency of Cirrus card account is Latvian lats or American dollars, the
supplementary currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL,
EEK.
From November 1, 2001 Aizkraukles banka offers to its Customers an
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal;

Elizabetes iela 23, Riga, LV-1010, Latvia. Tel.: +371 777 5222; Fax: +371 777 5200; Client line: +371 777 5555
S.W.I.F.T.: AIZK LV 22; Reuter Dealing: AIZX; Reuter Source: AIZB; Telex: 161 1171 AIZKR.BANK/DUNSOFT
http://www.ab.lv; e-mail: bank@ab.lv


From November 1, 2001 Aizkraukles

From November 1, 2001 Aizkraukles

commission for crediting funds to the

banka offers to its Customers an

banka offers to its Customers an

card account; minimal amount of cash

opportunity to receive debit cards

opportunity to receive debit cards

withdrawal in ATM; opportunity to

Cirrus emitted by JSC Aizkraukles

Cirrus emitted by JSC Aizkraukles

open a card account in two

banka. International debit card Cirrus

banka. International debit card Cirrus

currencies.opportunity to open a card

is meant only for cash withdrawal in

is meant only for cash withdrawal in

account in two currencies.

Aizkraukles banka and other banks'

Aizkraukles banka and other banks'

ATMs with Cirrus symbol, in Latvia

ATMs with Cirrus symbol, in Latvia

and abroad. Annual payment for

and abroad. Annual payment for

debit card Cirrus is 30 LVL or 50 USD,

debit card Cirrus is 30 LVL or 50 USD,

annual payment for the

annual payment for the

supplementary card is the same. Debit

supplementary card is the same. Debit

card Cirrus cannot be used for

card Cirrus cannot be used for

From November 1, 2001 Aizkraukles

purchase and service paying.

purchase and service paying.

banka offers to its Customers an

Differences of this card and other

Differences of this card and other

opportunity to receive debit cards

settlement cards are as follows: no

settlement cards are as follows: no

Cirrus emitted by JSC Aizkraukles

holder's name and surname on the

holder's name and surname on the

banka. International debit card Cirrus

card; no commission for cash

card; no commission for cash

is meant only for cash withdrawal in

withdrawal; commission for crediting

withdrawal; commission for crediting

Aizkraukles banka and other banks'

funds to the card account; minimal

funds to the card account; minimal

ATMs with Cirrus symbol, in Latvia

amount of cash withdrawal in ATM;

amount of cash withdrawal in ATM;

and abroad. Annual payment for

opportunity to open a card account in

opportunity to open a card account in

debit card Cirrus is 30 LVL or 50 USD,

two currencies.

two currencies.

annual payment for the

Annual payment for debit card Cirrus

Annual payment for debit card Cirrus

is 30 LVL or 50 USD, annual payment

is 30 LVL or 50 USD, annual payment

for the supplementary card is the

for the supplementary card is the

same. Commission for crediting funds

same. Commission for crediting funds

to the card account amounts 1% from

to the card account amounts 1% from

the sum. Minimal amount of cash

the sum. Minimal amount of cash

withdrawal in ATM is 300 USD or this

withdrawal in ATM is 300 USD or this

amount equivalent in other currency.

amount equivalent in other currency.

The main currency of Cirrus card

The main currency of Cirrus card

amount of cash withdrawal in ATM;

account is Latvian lats or American

account is Latvian lats or American

opportunity to open a card account in

dollars, the supplementary currencies

dollars, the supplementary currencies

two currencies.

could be: USD, LVL, EUR, GBP, RUB,

could be: USD, LVL, EUR, GBP, RUB,

BYR, UAH, LTL, EE

BYR, UAH, LTL, EEK.

The main currency of Cirrus card


account is Latvian lats or American
dollars, the supplementary currencies
could be: USD, LVL, EUR, GBP, RUB,
BYR, UAH, LTL, EEK.

supplementary card is the same. Debit


card Cirrus cannot be used for
purchase and service paying.
Differences of this card and other
settlement cards are as follows: no
holder's name and surname on the
card; no commission for cash
withdrawal; commission for crediting
funds to the card account; minimal

The main currency of Cirrus card


account is Latvian lats or American
dollars, the supplementary currencies
could be: USD, LVL, EUR, GBP, RUB,
BYR, UAH, LTL, EEK.

From November 1, 2001 Aizkraukles banka offers

Minimal amount of cash withdrawal in ATM is 300

to its Customers an opportunity to receive debit cards

USD or this amount equivalent in other currency.

Cirrus emitted by JSC Aizkraukles banka.


International debit card Cirrus is meant only for cash
withdrawal in Aizkraukles banka and other banks'
ATMs with Cirrus symbol, in Latvia and abroad.
Annual payment for debit card Cirrus is 30 LVL or 50

The main currency of Cirrus card account is Latvian


lats or American dollars, the supplementary
currencies could be: USD, LVL, EUR, GBP, RUB, BYR,
UAH, LTL, EEK.

USD, annual payment for the supplementary card is

From November 1, 2001 Aizkraukles banka offers

the same. Debit card Cirrus cannot be used for

to its Customers an opportunity to receive debit

purchase and service paying. Differences of this card

cards Cirrus emitted by JSC Aizkraukles banka.

and other settlement cards are as follows: no holder's

International debit card Cirrus is meant only for cash

name and surname on the card; no commission for

withdrawal in Aizkraukles banka and other banks'

cash withdrawal; commission for crediting funds to

ATMs with Cirrus symbol, in Latvia and abroad.

the card account; minimal amount of cash

Annual payment for debit card Cirrus is 30 LVL or

withdrawal in ATM; opportunity to open a card

50 USD, annual payment for the supplementary

account in two currencies.

card is the same. Debit card Cirrus cannot be used

The main currency of Cirrus card account is Latvian

for purchase and service paying. Differences of this

lats or American dollars, the supplementary

card and other settlement cards are as follows: no

currencies could be: USD, LVL, EUR, GBP, RUB, BYR,

holder's name and surname on the card; no

UAH, LTL, EEK.

commission for cash withdrawal; commission for

From November 1, 2001 Aizkraukles banka offers


to its Customers an opportunity to receive debit cards
Cirrus emitted by JSC Aizkraukles banka.

crediting funds to the card account; minimal


amount of cash withdrawal in ATM; opportunity to
open a card account in two currencies.

International debit card Cirrus is meant only for cash

The main currency of Cirrus card account is Latvian

withdrawal in Aizkraukles banka and other banks'

lats or American dollars, the supplementary

ATMs with Cirrus symbol, in Latvia and abroad.

currencies could be: USD, LVL, EUR, GBP, RUB, BYR,

Annual payment for debit card Cirrus is 30 LVL or 50

UAH, LTL, EEK.

USD, annual payment for the supplementary card is


the same. Debit card Cirrus cannot be used for
purchase and service paying. Differences of this card
and other settlement cards are as follows: no holder's
name and surname on the card; no commission for
cash withdrawal; commission for crediting funds to
the card account; minimal amount of cash
withdrawal in ATM; opportunity to open a card
account in two currencies.

From November 1, 2001 Aizkraukles banka offers


to its Customers an opportunity to receive debit
cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash
withdrawal in Aizkraukles banka and other banks'
ATMs with Cirrus symbol, in Latvia and abroad.
Annual payment for debit card Cirrus is 30 LVL or
50 USD, annual payment for the supplementary
card is the same.

Elizabetes iela 23, Riga, LV-1010, Latvia.

S.W.I.F.T.: AIZK LV 22.

Tel.: +371 777 5222, fax: +371 777 5200.

Reuter Dealing: AIZX. Reuter Source: AIZB.

http://www.ab.lv, e-mail: bank@ab.lv

Telex: 161 1171 AIZKR.BANK/DUNSOFT.

Mr. Smith.
Sales Manager
Advanced Tecnologies
3 build, 2 Gazetny pereulok,
Moscow, Russia,103009
Tel.: +3 (093) 984 123 548

Dear Mr. Smith:


From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for
the supplementary card is the same. Debit card Cirrus cannot be used for purchase and service
paying. Differences of this card and other settlement cards are as follows: no holder's name and
surname on the card; no commission for cash withdrawal; commission for crediting funds to the
card account; minimal amount of cash withdrawal in ATM; opportunity to open a card account in
two currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the supplementary
card is the same. Commission for crediting funds to the card account amounts 1% from the sum.
Minimal amount of cash withdrawal in ATM is 300 USD or this amount equivalent in other
currency.

Viktorija Lakiseva
Consulting Manager
e-mail: lakiseva@ab.lv

From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same. Debit card Cirrus cannot be used for purchase and
service paying. Differences of this card and other settlement cards are as follows: no holder's
name and surname on the card; no commission for cash withdrawal; commission for crediting
funds to the card account; minimal amount of cash withdrawal in ATM; opportunity to open a
card account in two currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Commission for crediting funds to the card account amounts
1% from the sum. Minimal amount of cash withdrawal in ATM is 300 USD or this amount
equivalent in other currency.
The main currency of Cirrus card account is Latvian lats or American dollars, the supplementary
currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same. Debit card Cirrus cannot be used for purchase and
service paying. Differences of this card and other settlement cards are as follows: no holder's
name and surname on the card; no commission for cash withdrawal; commission for crediting
funds to the card account; minimal amount of cash withdrawal in ATM; opportunity to open a
card account in two currencies.
The main currency of Cirrus card account is Latvian lats or American dollars, the supplementary
currencies could be: USD, LVL, EUR, GBP, RUB, BYR, UAH, LTL, EEK.
From November 1, 2001 Aizkraukles banka offers to its Customers an opportunity to receive
debit cards Cirrus emitted by JSC Aizkraukles banka. International debit card Cirrus is meant
only for cash withdrawal in Aizkraukles banka and other banks' ATMs with Cirrus symbol, in
Latvia and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment
for the supplementary card is the same.

To

: Advanced Tecnologies
: Mr. Smith

Cc

: Mr. Jonhson
: Mr. Paul

From : V. Lakiseva
Tel. : +371 777 5222
Fax : +371 777 5200
E-mail: lakiseva@ab.lv
Date : 7 April 2002

Dear Mr. Smith:


From November 1, 2001 Aizkraukles banka offers to its Customers an
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal; commission for crediting funds to the card account; minimal amount
of cash withdrawal in ATM; opportunity to open a card account in two
currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for

1/5

To

: Advanced Tecnologies
: Mr. Smith

Cc

: Mr. Jonhson
: Mr. Paul

From : V. Lakiseva
Tel. : +371 777 5222
Fax : +371 777 5200
E-mail: lakiseva@ab.lv
Date : 7 April 2002

Dear Mr. Smith:


From November 1, 2001 Aizkraukles banka offers to its Customers an
opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles banka.
International debit card Cirrus is meant only for cash withdrawal in Aizkraukles
banka and other banks' ATMs with Cirrus symbol, in Latvia and abroad. Annual
payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for the
supplementary card is the same. Debit card Cirrus cannot be used for purchase
and service paying. Differences of this card and other settlement cards are as
follows: no holder's name and surname on the card; no commission for cash
withdrawal; commission for crediting funds to the card account; minimal amount
of cash withdrawal in ATM; opportunity to open a card account in two
currencies.
Annual payment for debit card Cirrus is 30 LVL or 50 USD, annual payment for

1/5

3.
.

: FreeSet bold 18 ,

: FreeSet Plain 9 ,

From November 1, 2001 Aizkraukles banka offers to its Customers an

: 14 .

opportunity to receive debit cards Cirrus emitted by JSC Aizkraukles

banka. International debit card Cirrus is meant only for cash withdrawal in

Aizkraukles banka and other banks' ATMs with Cirrus symbol, in Latvia

: FreeSet Bold 14 ,

and abroad. Annual payment for debit card Cirrus is 30 LVL or 50 USD,

: FreeSet bold 20 ,

: FreeSet Plain 12 ,

From November 1, 2001 Aizkraukles banka offers to


its Customers an opportunity to receive debit cards
Cirrus emitted by JSC Aizkraukles banka. International
debit card Cirrus is meant only for cash withdrawal in
Aizkraukles banka and other banks' ATMs with Cirrus

: FreeSet Bold 16 ,
: 16 .
-.

: FreeSet bold 16 ,
: FreeSet Bold 10 ,
: FreeSet Plain 10 ,
: 14 .

From November 1, 2001 Aizkraukles banka offers to its


Customers an opportunity to receive debit cards Cirrus emitted by
JSC Aizkraukles banka. International debit card Cirrus is meant

only for cash withdrawal in Aizkraukles banka and other banks'


ATMs with Cirrus

75